Relationship Banker, Retail Banking

Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. Personal & Commercial BankingJob Description:The Retail Banker I is a customer liaison that is integral to delivering TD’s Brand promise by utilizing financial expertise and consultative advice to assist Customers with their banking solutions/needs. This role contributes to the achievement of business objectives that enable growth through identifying appropriate TD solutions that help Customers achieve their financial goals and optimize their relationship with TD.Depth & Scope:Proficient in products, services and routine transactions in order to identify opportunities to educate on Bank products and services to Customers and/or refer them to appropriate team member or internal Bank partners, while ensuring a positive Customer experienceRequires a broad knowledge and understanding of the full product suite, services and processes of business area, and could be characterized by low to moderate complexity/riskEstablishes and nurtures Customer relationships by consistently displaying product knowledge, actively listening to Customer needs while engaging in additional conversation to identify any additional needs and offer a solution or partner referralMakes product recommendations based on Customer needs and highlights product features and benefits that ultimately support Customers through challenging times and life events, save time and money, and exceed their needsUtilizes Customer relationship management tools to proactively play a key role in customer assessments, proactively identifies Customer solutions and lead-focused outbound sales activitiesIndependently resolves customer issues, errors and problems, escalating when necessaryBuilds working relationships with customers and explains detailed and/or complicated information.Requires full proficiency gained through job related training to perform a range of activitiesParticipates in Customer outreach, servicing and advice activities to deliver on our unexpectedly human promiseEngages in conversations with customers about loan products, facilitates the application intakeMust maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry)Education & Experience:HS Diploma or GED1+ years' experience working with customers and or sales in any capacity or equivalent demonstrated through any of the following: volunteering, education, military experience preferred.Teller experience preferredMust be able to complete teller training upon hire to take customer transactionsDemonstrated ability to engage in customer conversations while educating them on products and services preferredDemonstrated organization skills to handle multiple tasks in a fast-paced environmentExcellent communication skills with ability to be concise, clear and consistentDemonstrated ability to schedule and prioritize workDemonstrated ability to work independently and within deadlinesSound judgment in decision making and effective problem solvingProficient in Microsoft OfficeNotary License (Preferred)Customer Accountabilities:Delivers Legendary experience by helping customers, building relationships, and delivering service and adviceUnderstands and supports the Bank's Customer Service Strategy; Delivers Customers end-to-end advice they expect: (1) building trust with educational content & tools, (2) providing consultative support, and (3) advocating for them with proactive insights & recommendationsServes as a Customer advocate in improving customer financial confidence, providing customer resolution, proactive tips and insights on saving time & moneyConsistently executes appropriate behaviors to deliver a Legendary Customer experience that is unexpectedly human in the Store through either effective problem resolution or providing sound advice that yields a solutionEngages in lobby leadership by orchestrating customer flow, warmly welcome, discover initial needs and guides customer appropriatelyUnderstands customer preferences with banking (when and how they want) and educates Customers on self-service options that meet their needsMay act as a point of escalation for Customer questions or concernsMay perform a variety of (teller) transactions including check cashing, deposits, transfers and withdrawals while monitoring fraud mitigation and adhering to established operational policies and proceduresConsiders the impact of decisions on the well-being of TD, its Customers and stakeholdersActs as a brand champion both internally and externallyRecognizes transaction needs and educates clients on self-service channels including digital optionsBrings your genuine self and turns each banking transaction into a personalized interaction, one Customer at a timeShareholder Accountabilities:Ensures compliance when completing operational activities in accordance with company guidelines and regulations such as Bank Secrecy Act and Patriot Act to minimize risk and protect the customerParticipates in the Stores daily operations to ensure alignment with TD's risk frameworkUnderstands and applies operating policies and proceduresSupports the timely and accurate completion of business processes and proceduresEscalates non-standard or high-risk transactions/activities as necessaryEnsures documentation that is prepared/completed is accurate and properly reflects client/business intentions and is consistent with relevant rules/regulationsEnsures necessary due diligence to support the accuracy of all customer transactions/activitiesKnowledgeable of and complies with Bank Code of ConductContributes to business objectives for Operational Excellence by fully understanding accountability in driving an operationally sound locationExecutes with excellence by adhering to all risk and control policies/proceduresEmployee/Team Accountabilities:Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interestSupports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unitParticipates in personal performance management and development activitiesKeeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes to a fair, positive and equitable environment that supports a diverse workforceActs as a brand ambassador for your business area/function and the Bank, both internally and/or externallyUtilizes feedback through coaching sessions to demonstrate stronger performanceEstablishes relationships with partner bankers to make effective referrals to themContributes to a positive work environment by aligning to TD Model, Brand and Culture by participating fully as a member of the teamCollaborates with team members in contributing to the success of the team and organizationActively seeks opportunities to improve delivery of work with high attention to quality standardsActively takes ownership of own career and aspirations. Seeks out diverse feedback to continuously develop and enhance skillsPositively embraces changeAdheres and participates in TD's Shared Commitments and code of conduct expectationsEngaged in advancing and sustaining a unique, inclusive culture that reflects TDs diversity agenda, and creates an extraordinary employee experienceOCC Language:This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.and its implementing regulations, 12 CFR Part 1007Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.and its implementing regulations, 12 CFR Part 1007Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this positionPhysical Requirements:Never: 0%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – ContinuousSitting – FrequentStanding – FrequentWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalSquatting – OccasionalBending – OccasionalKneeling – OccasionalCrawling – OccasionalClimbing – OccasionalReaching overhead – OccasionalReaching forward – OccasionalPushing – OccasionalPulling – OccasionalTwisting – OccasionalConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. Who We Are:TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. Together, we are reimagining what banking can be for our clients, colleagues and communities.Our Total Rewards PackageOur Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.Colleague DevelopmentIf you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.Here at TD, we hire and develop the best.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.We do our best to communicate outcomes to all applicants by email or phone call.AccommodationTD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at View email address on click.appcast.io .